Total and permanent disablement cover
Protection if you become totally and permanently disabled
What's TPD cover?
Total and permanent disablement (TPD) cover provides you with a lump sum benefit if, because of an illness or injury, you’re unlikely to ever return to work.
How does TPD cover work?
If you’re eligible for a TPD benefit, you can receive the total of your account balance and any insurance benefits paid by the insurer (this payment may be subject to tax).
Find out more about making a claim.
How much TPD cover do you need?
The amount of cover you need will likely change throughout your life as your financial and personal situation changes.
Key life moments when you might review your cover include:
By reviewing your cover regularly, you can make sure your cover is right for you.
You can check how much cover you need and what it’ll cost by using our Insurance calculator.1,2
How can I get TPD cover with CareSuper?
- You may have Default cover automatically added to your account if you meet eligibility requirements.3
- You may be able to apply for Tailored cover.2
Find out more
- Read our step-by-step guide on how to make a claim
- If you hold or are eligible for Category D cover, read the Insurance guide (Category D)
- All other members should refer to our Insurance guide
Video explainers
TPD cover FAQs
How can I check my current cover?
The easiest way to check your cover is in Member Online or the CareSuper app.
Find out how to get online.
Otherwise you can call us on 1800 005 166.
How can I change my cover?
How can I cancel my cover?
You can cancel your cover through Member Online, in the CareSuper app, or by completing and submitting the relevant form.
Cover can also be cancelled by calling us on 1800 005 166.
If you decide that you want insurance cover later, you'll need to apply and may need to provide health details. Your application will be subject to acceptance by the insurer. If you cancel or opt out of Default cover, you won’t be eligible for Default cover again.
What TPD cover do we provide automatically?
We automatically apply cover to your account if you meet eligibility conditions without you needing to provide detailed health information (unless you’ve opted out). This is known as ‘Default cover’.3
The type and amount of Default cover and the cost you pay for that cover will change as you get older.
Find out more about Default cover.
What does TPD cover cost?
There are costs associated with insurance. The amount you pay depends on the type and amount of cover you hold, your age, your employer paying SG contributions to CareSuper and your occupation rating.
You can use our Insurance calculator to work out how much your cover will cost.1,2
Your occupation rating impacts the cost of your insurance – physically demanding or higher-risk jobs generally cost more than office-based roles for the same level of cover. If you’re in a higher risk category than necessary, you could be paying more than you need to.
Disclaimers
1 The insurance fees provided by our Insurance calculator are estimates. Estimates are not available for Category D cover. Read the Insurance guide for more information. You can check your current cover and costs in Member Online and the CareSuper app.
2 Eligibility conditions apply, and applications may be subject to acceptance by our insurer and any relevant terms and conditions. Category D has limited options for changing cover, read the Insurance guide (Category D) for more information.
3 We’re required to automatically provide default insurance so employers can use CareSuper as their default super fund. Employers use default super funds to pay super contributions into for employees who don’t choose their own fund or have an existing super fund. Learn more about employer obligations.